Comenity

I opened my Children's Place Credit Card in May 2021, paid off my balance online in June 3 days before the due date. The bank was unable to verify my bank account so they returned my payment and of course charged me a late fee. Once disputed and phone payment was made, all charges were removed but then my account privileges were restricted and would be considered for review in September. You have got to be kidding me, as if I am some kind of child in trouble for poor behaviour!! SMH. How ridiculous and petty is this?? At that very moment is when I remembered why I closed this credit card many years ago! I have excellent credit and I refuse to give this bank my time of day ever again. Taking my business elsewhere! Huge Loss for Comenity Bank!

This is a rip off crooked bank. Restricted my account without any explanation blocking access to my funds. They use their depositors as short term financing. They are thieves. Avoid like the plague and disease.

Initially, I applied for a Wayfair store credit card before Comenity replaced the product. Wayfair closed out their store credit cards temporarily due to the pandemic. I thought my "replacement card" was useful at the time because I needed to invest in new furniture, moving expenses, etc. Every 2nd of the month, I pay my credit card bill on time, but according to my most recent statement, I've been charged high interest fees. I have not used the card since November and I still have an available balance of $2,332. I have a Sephora Visa with them as well, but my biggest issue with Comenity is the level of distrust between cardholders and account specialists. They are not as transparent with the cardholders and they always refer me to the secure message center. Once my balance is transferred onto my newest credit card, I am closing my account.

BEWARE: Comenity Bank handles many business accounts for department stores. I opened a Bealls Outlet account in which Comenity Bank serves as their credit services. They will charge interest and late fees for nothing. Even if you close the account the interest accrues, but they will not credit the interest. Example: I have excellent credit and always make my payments on time. They charged me $2.00 for a late fee which was supposedly after I paid the balance. They assessed an additional $4.00 since they did not receive the $2 check I mailed. While this is only $6, ripping off thousands of customers means they are collecting thousands of dollars.

The bank offered a great rate, but I was not aware when I deposited my money that there was a limit of $10000 a day on withdrawals and six per month. I made the mistake of putting my money for a down payment in the account and getting it out was a big hassle. I contacted the bank and they didn't even seem to have a clear record of how many withdrawals I had made. Will not use them again.

This bank has terrible services and keeps charging me everyday. One day late charge fee is 38$. Normal we have 36 months pay for, we only pay the 13 months but we finished. Next time don’t trust this bank. It will keep charging you everyday.

My bank automatically sent their payment 2 weeks in advance of the due date. Comenity did not process it so I got a penalty. I then changed my payment send day with my bank to 3 weeks before the payment was due. I watched my account everyday until the day before it was due. I then paid the bill directly through their website and then cancelled the electronic payment that I made 3 weeks earlier since it had still not been processed. Comenity Bank charged me a $25 cancellation fee. If you don't pay directly through their site, their processing of external payments is ridiculously awful!

I opened a Sephora Credit Card which is from Comenity. I pay my balance on time every month, always in full. However, last April 2021, I noticed that my statement has an interest charge on previous purchases so I spoke with customer service and none of them can explain it. I keep asking them what is the interest for and why do I have this interest when I pay my entire balance in full every month. After more than 30 minutes on the phone, no one can explain to me what purchases are those so the supervisor ended up removing those charges on my account. However, come May 2021 statement, there are interest charges again to which I again called them and ask what is it for since I keep paying my entire balance every due date. No one can explain to me.

I think is is important to start with I never wanted Comenity Mastercard. It used to be a Wayfair Card that morphed into something else that has been nothing but awful. I mailed a check to Comenity Mastercard on April 29th, 2021 to pay off a balance. On May 19th, 2021, I noticed that the check had not cleared. Fearing it had gotten lost in the mail, due to the large amount, I placed a stop payment on the check and paid the card balance in full online. At this point the card is at a zero balance & I think I am done with Comenity Mastercard.

Received a $31.00 late fee because the store forgot to refund me for the .04 bag I gave them when returning a product. They took off the fee but had to give me a required lecture speech about how I need to pay my balances on time. There was no wiggle room for the fact that the charge was the store's fault and not my own AND the fact that I was closing out the account. The first CS I spoke with was horrible. She gave me a fake name and fake id# so she would not get in trouble for being the worst and she did not take off the fee either so I had to call back. Even their voice prompt doesn't allow for easy CS access. Overall a terrible experience.